From day-sailors to 100-foot superyachts — every coverage structured for Fort Lauderdale's Intracoastal, offshore, and Caribbean cruising.
| Agreed hull value | Annual rate | Annual premium | Typical vessel |
|---|---|---|---|
| $100K – $250K | 1.5% – 2.5% | $1,500 – $6,250 | Cruiser, center console, small sail |
| $250K – $500K | 1.2% – 2.2% | $3,000 – $11,000 | Motor yacht 40–55 ft |
| $500K – $1M | 1.0% – 2.0% | $5,000 – $20,000 | Motor yacht 55–75 ft |
| $1M – $3M | 1.0% – 1.8% | $10,000 – $54,000 | Yacht 75–90 ft |
| Above $3M | Individually rated | Specialist markets | Superyacht 80 ft+ |
Illustrative ranges for vessels berthed in Broward County, 2026. Actual premium depends on vessel age, construction, navigational territory, storage, hurricane plan, owner experience and loss history. Not a quotation.
| Situation | Typical requirement | Who sets it |
|---|---|---|
| Financed vessel | $300K – $1M | Lender |
| Marina slip agreement | $300K – $1M | Marina |
| High-value private yacht | $1M – $5M | Prudent practice |
| Charter operation | $1M – $5M+ | Flag state, charter broker |
| Paid crew aboard | Jones Act, separate | Federal maritime law |
From cruising sailboats to expedition yachts — specialty coverage for every type of vessel based in Fort Lauderdale and South Florida.
Fort Lauderdale is the yachting capital of the world — 165 miles of navigable Intracoastal waterways, 50,000+ registered vessels in Broward County, and the world's largest in-water boat show every October. Our office is in Hollywood, 3 miles from the Intracoastal. We know this market because we live in it.
That matters for insurance. The navigational territory your yacht operates in — Intracoastal, offshore, Bahamas, Caribbean — directly affects your policy terms and premium. Underwriters want to know where the boat goes, where it's stored, what your hurricane plan is, and whether you have paid crew. We know how to present your risk to get the best terms.
We're also trilingual — English, Spanish, and Portuguese — which matters in Fort Lauderdale's international yacht market, where Venezuelan, Brazilian, Argentine, and Colombian yacht owners are a significant part of the ownership base.
| Factor | Effect | Under your control |
|---|---|---|
| Navigational territory | Bahamas and Caribbean price above Intracoastal-only | Partially |
| Hurricane plan | Drives the named-storm deductible | Yes |
| Storage & berth | Haul-out capacity affects storm terms | Yes |
| Paid crew | Triggers Jones Act; changes the whole program | Yes |
| Owner experience | Licensing and years operating reduce rate | Over time |
| Loss history | Five years reviewed | Over time |
Questions we get every week from Fort Lauderdale yacht owners — answered directly.
Deep-dive guides for Fort Lauderdale owners, captains, and yacht managers — crew regulation, charter compliance, hurricane planning, and regional coverage across South Florida.
Fort Lauderdale's specialty marine broker. Agreed value hull, superyacht programs, charter, and crew coverage — same-day quotes, local knowledge, trilingual team.
Or email: adolfo@nextguardinsurance.com · English · Español · Português
Above 80 feet, coverage moves to superyacht markets: agreed value hull at about 0.8–1.8% of value, P&I up to $500M, and Jones Act or MLC 2006 crew cover.
